In Q1 2026, nonperforming loans in CRE — multifamily rose across 50 institutions tracked. WEST TEXAS NATIONAL BANK in TX led the increase, with its ratio climbing +25.4pp to 25.37%, followed by SABINE STATE BANK&TRUST CO in LA at 32.88%.

Rising NPLs by Category

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Rank	Institution	Source	State	QoQ Δ NPL %
1	WEST TEXAS NATIONAL BANK	BANK	TX	+25.4
2	SABINE STATE BANK&TRUST CO	BANK	LA	+22.8
3	BANK OF WASHINGTON	BANK	MO	+21.9
4	BANK NATIONAL ASSN	BANK	OK	+20.1
5	VISIONBANK	BANK	MN	+16.1
6	MIDWEST HERITAGE BANK FSB	BANK	IA	+15.4
7	SHORE UNITED BANK NA	BANK	MD	+13.1
8	AMERICAN MOMENTUM BANK	BANK	TX	+13.1
9	HOMELAND FSB	BANK	LA	+11.6
10	FIRST SECURE COMMUNITY BANK	BANK	IL	+10.6
40 more institutions match this list. Unlock metric values for every row, column sort, archives, and CSV export with Mastermind. Unlock with Mastermind

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Rank	Institution	Source	State	QoQ Δ NPL %	Trend
11	HERITAGE BANK	BANK	KS	████	████
12	VALLEY CENTRAL BANK	BANK	OH	████	████
13	CENTRAL STATE BANK	BANK	IA	████	████
14	HOME FEDERAL BANK OF TN	BANK	TN	████	████
15	FARMERS STATE BANK&TRUST CO	BANK	IL	████	████
16	PATHFINDER BANK	BANK	NY	████	████
17	WEST POINT BANK	BANK	KY	████	████
18	PASSUMPSIC SAVINGS BANK	BANK	VT	████	████
19	RED RIVER STATE BANK	BANK	MN	████	████
20	LOUISIANA NATIONAL BANK	BANK	LA	████	████
21	AMERICAN BANK&TRUST CO INC	BANK	KY	████	████
22	CROSS RIVER BANK	BANK	NJ	████	████
23	BANK OF HAYS	BANK	KS	████	████
24	CAPITAL BANK	BANK	TX	████	████
25	PEOPLES FIRST SAVINGS BANK	BANK	OH	████	████
26	FLORENCE BANK	BANK	MA	████	████
27	FIRST FS&LA OF CNTL IL S B	BANK	IL	████	████
28	BANK OF ODESSA	BANK	MO	████	████
29	NORTH SIDE FS&LA OF CHICAGO	BANK	IL	████	████
30	PREFERRED BANK	BANK	CA	████	████
31	O BANNON BANKING CO	BANK	MO	████	████
32	RCB BANK	BANK	OK	████	████
33	SUMMIT BANK	BANK	CA	████	████
34	AMALGAMATED BANK	BANK	NY	████	████
35	FIRST-CITIZENS BANK&TRUST CO	BANK	NC	████	████
36	PLAINSCAPITAL BANK	BANK	TX	████	████
37	LINCOLN SAVINGS BANK	BANK	IA	████	████
38	FIRST WESTERN TRUST BANK	BANK	CO	████	████
39	MIDWEST NATIONAL BANK	BANK	IL	████	████
40	BANK FIRST N A	BANK	WI	████	████
41	APOLLO TRUST CO	BANK	PA	████	████
42	STATE SAVINGS BANK	BANK	IA	████	████
43	CFG BANK	BANK	MD	████	████
44	NORTHERN TRUST CO	BANK	IL	████	████
45	MERCHANTS BANK OF INDIANA	BANK	IN	████	████
46	FIRST CITIZENS CMTY BANK	BANK	PA	████	████
47	FIRST COMMONWEALTH BANK	BANK	PA	████	████
48	SOUTHWEST HERITAGE BANK	BANK	AZ	████	████
49	BENEFICIAL STATE BANK	BANK	CA	████	████
50	INDUSTRIAL BANK	BANK	DC	████	████

Methodology

This card ranks banks whose nonperforming-loan ratio for a specific CRE or 1-4 family residential category rose at least 0.5 percentage points (0.005) quarter-over-quarter, and surfaces the top 50 by that rise. For banks (FDIC-insured): the per-category nonperforming ratio used for ranking comes from FDIC BankFind financial data (the NCRER / NCCOMRER / NCRECONR / NCREMULR / NCRENRER / NCRERESR families). The supporting dollar columns (loan balance, nonperforming volume) come from FFIEC Call Report Schedule RC-N, adding up the Call Report lines behind each BankFind category: CRE — commercial ← RC-N 1.c.(2)(a) RCONC237/RCONC229 + 1.c.(2)(b) RCONC239/RCONC230; CRE — construction ← RC-N 1.a.(1) RCONF174/RCONF176 + 1.a.(2) RCONF175/RCONF177; CRE — multifamily ← RC-N 1.d RCON3500/RCON3501; 1-4 family residential ← RC-N 1.c.(1) RCON5399/RCON5400 + 1.e.(1) RCONF180/RCONF182 + 1.e.(2) RCONF181/RCONF183. CRE — non-residential has no Call Report lines of its own (its non-owner-occupied loans are already counted under CRE — commercial), so its dollar columns are left blank. Source note: the ranking uses the BankFind ratio; the dollar columns come straight from the bank's filing in the FFIEC Central Data Repository (CDR). When a bank's CDR filing isn't available for the quarter, it shows the ratio only, and its detail page notes that it is using BankFind data. Methodology updated 2026-03-31: the per-category dollar columns now come directly from FFIEC CDR Schedule RC-N. Earlier quarters showed only the BankFind nonperforming ratio, without dollar amounts. Read the methodology update note at /blog/npl-explorer-fdic-cdr-direct-sourcing.

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